AUCKLAND, New Zealand, 18 January 2017
– Youtap, a global provider of contactless mobile payments and financial services software, has outlined standards to govern the manufacture of non-card form factors used for contactless payments.
Contactless payments (whereby a customer simply taps a card or tag on a card reader) are becoming the norm – especially in public transport, where they make it convenient for passengers to ‘tap and pay’ fares for buses, trains, and ferries.
Until now, most contactless payments systems have employed a rectangular plastic card, usually the same size as a credit card. International standards are in place to describe how cards and terminals should work to ensure industrywide compatibility and provide security for the card user.
One such standard, ISO/IEC 14443, outlines:
- Size and physical characteristics of the identity card
- Radio frequency and signal interface
- Initialisation and anti-collision protocols
- Data transmission protocol
Recently, the same near-field communication (NFC) technology that enables contactless card payments has expanded into other form factors. In emerging markets, for example, customers are using adhesive stickers, dongles, fobs, and wearables to access mobile money stored on their phones. However, no international standards exist to govern these non-card form factors.
“Customers are using other form factors for contactless payments,” said Chris Jones, CEO of Youtap. “To meet the need in the market, manufacturers need to follow standards to ensure those devices are usable and secure for transactions.”
Youtap has successfully deployed contactless payments technology across Southeast Asia, the Pacific and Africa. Youtap’s technical experts recommend the following standards to guide the manufacture of non-card NFC devices:
- The device should have a PVC layer for durability in variable conditions and climates.
- The device should contain an anti-metallic layer.
- The device should be at least 25mm in diameter (the greater the surface area, the better the communication between the NFC chip and the reader).
- The device should include a printed serial number to speed the registration process.
The standards above complement those outlined in the ISO/ISE standards and should be used for all non-card NFC devices, whether the application is for transport or merchant payments. Transport companies and mobile operators that do not employ these standards may face compatibility issues or data transmission problems that delay implementation of contactless payments.
Youtap is a global provider of contactless mobile payments and financial services software enabling mobile money and stored value wallet customers to tap and pay at any point of sale using any payment device. Youtap’s secure NFC solutions support payment acceptance for contactless and non-contactless cards, NFC tags and wearables, and NFC phones. Youtap supports MNOs and retailers by incorporating loyalty programs and other responsive functionalities that benefit both consumer and merchant. Founded in 2007 in Auckland, New Zealand, and operating globally, Youtap has offices in Auckland, San Francisco, Nairobi, Jakarta and Singapore.